Personal loans in Guthrie, KY
Census figures put the 2020-to-2023 increase in Guthrie at about 0.3%. Guthrie is home to roughly 1,335 people and stands 181st by size out of 416 Census places in Kentucky. Two households in Guthrie with comparable incomes can still be offered different rates; the city's 1,335 residents are not the reason. Judge Guthrie offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Guthrie's 1,335 residents follows from the Kentucky consumer-lending framework. The closest larger place is Clarksville, TN about 12 miles away.
What the Census records for Guthrie
Only a few things actually differ by place — population, area, location, and the Kentucky rules a lender must follow — and they are below.
- Population: an estimated 1,335 residents, 181st of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 0.3% more residents than the 2020 Census counted.
- People gained or lost: about 4 more since the 2020 base.
- Size percentile: roughly 56% of Kentucky places rank below Guthrie.
- Land and density: 2.3 square miles of land carry roughly 569 residents per square mile.
- Land area rank: Guthrie's 2.3 square miles rank 148th of 416 places in Kentucky.
- Share of Kentucky: Guthrie holds about 0.1% of the state's population, some 1,335 people.
- National rank: Guthrie is the 9,151st most populous of the 19,457 Census places covered here.
- Growth in Kentucky: Guthrie stands 153rd by percentage change from 2020 to 2023, among 416 places.
- Against the state trend: Guthrie's 0.3% change compares with a Kentucky average of -0.2% across its 416 places.
- Density rank: Guthrie places 322nd among Kentucky's places by people per square mile.
- Density in context: Guthrie's 569 people per square mile sit against a Kentucky median of 1,045.
- Location: 36.6486, -87.1648 (Census Gazetteer coordinates).
- Nearest larger cities: Clarksville (12 mi); Elkton (12 mi); Oak Grove (14 mi); Pleasant View (19 mi); Springfield (19 mi). Lenders licensed in the state serve Guthrie whether or not they keep a local branch.
- Nearest smaller towns: Adams (7 mi); Trenton (7 mi); Cedar Hill (11 mi).
- Smaller neighbours: 27 places smaller than Guthrie sit within 50 miles.
- Within 100 miles: 124 places are larger than Guthrie.
Kentucky rules behind a Guthrie personal loan
For the roughly 1,335 residents of Guthrie, the rules below are Kentucky's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kentucky Department of Financial Institutions (DFI) Source says: "The Department of Financial Institutions' mission is to serve Kentucky residents by promoting access to a stable financial industry, implementing effective and efficient regulatory oversight". | Kentucky Department of Financial Institutions as of 2026-09-16 |
| Consumer Loan Company license — statutory basis | License required from the commissioner to make loans at a greater rate of interest than otherwise permitted by law Source says: "No person shall, without first obtaining a license from the commissioner, engage in the business of making loans ... at a greater rate of interest". | Kentucky Legislative Research Commission (Kentucky Revised Statutes) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Up to 19% per annum, or 4% over the 90-day commercial-paper discount rate, whichever is less (by written agreement) Source says: "At a per annum rate not to exceed four percent (4%) in excess of the discount rate on ninety (90) day commercial paper ... or nineteen percent (19%), whichever is less". | Kentucky Legislative Research Commission (Kentucky Revised Statutes) as of 2026-09-16 |
How lenders reach Guthrie
Guthrie is moderately settled, with about 569 people per square mile and 41 larger places within 50 miles. Distance to a branch rarely matters for Guthrie's 1,335 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Clarksville, TN about 12 miles away.
Guthrie: area, density and distance
Inside Guthrie's boundaries lie about 2.3 square miles of land, with no significant water area recorded. The resulting density is about 569 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 177 miles away. Counting outward 50 miles, 41 larger communities surround Guthrie. By land area it ranks 148th of 416 Kentucky places.
What a Guthrie borrower is actually offered
A Guthrie personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,335 residents. Two numbers drive a Guthrie loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Guthrie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Guthrie sits in Kentucky
Within Kentucky, Guthrie holds roughly 0.1% of all residents, the 181st-largest share among 416 places. For population change between 2020 and 2023, Guthrie ranks 153rd of 416 in Kentucky (about the 63th percentile). At about 569 people per square mile, Guthrie is the 322nd most densely settled place in Kentucky. In land area, Guthrie ranks 148th among Kentucky's 416 places.
Common questions
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Nearby places
- Adams, TN — population 653
- Trenton, KY — population 328
- Elkton, KY — population 2,230
- Cedar Hill, TN — population 300
- Clarksville, TN — population 180,716
- Pembroke, KY — population 874
- Oak Grove, KY — population 7,973
- Pleasant View, TN — population 5,488